On May 23, 2018, we published revised versions of our Privacy Policy and User Agreements. Please read these updated terms and take some time to understand them. Your use of our services is subject to these revised terms.

InvestorBrandNetwork (IBN) Disclaimer

Statements & Policies

Summary of Disclosures

By accessing InvestorBrandNetwork (IBN) (hereinafter referred to as "IBN," "we," "us," or "our") website you are representing affirmatively that you have read and understood the entirety of the following Statements & Policies, which include important information not included in this Summary of Disclosures (Summary). You represent affirmatively that you are not relying solely on this Summary.

By accessing the IBN website, you agree that you have reviewed and agree to the following Statements & Policies. THIS WILL CREATE A BINDING CONTRACT BETWEEN YOU AND IBN RELATIVE TO YOUR USE OF OUR WEBSITE, THE SERVICES WE THEREBY RENDER TO YOU, AND OUR USE OF THE INFORMATION YOU PROVIDE TO US. If you do not agree to these Statements & Policies, you may not use the IBN website and affirmatively acknowledge that you have not used or viewed content on the IBN website.

IBN provides readers with information regarding publicly traded companies that have paid a fee to IBN to provide advertising, news and public relations services on their behalf. IBN receives compensation from the companies in the form of cash and/or securities in the companies.

IBN is neither an investment adviser nor a broker-dealer. The information presented in the IBN website is provided for informational purposes only and is not to be treated as advice or a recommendation to make any specific investment. None of the information provided through this website constitutes advice or a recommendation. Please consult with an independent investment adviser or other financial adviser or financial professional before making an investment decision.

The opinions and analyses included in this website are based on factual information obtained from public filings and other sources deemed to be reliable and are provided "as is" in good faith. IBN makes no representation or warranty, expressed, implied, or statutory, is made as to the accuracy or completeness of such information, which may be subject to change without notice.

IBN and its owners, members, officers, directors and affiliates may own, or may buy and sell, securities of companies profiled on the IBN website at any time before, during, or after distribution of information on the companies by IBN.

Safe Harbor Statement

This website includes forward-looking statements pertaining to future anticipated plans, performance and development of the companies on whose behalf we disseminate information. Any statements on this website that are not statements of historical fact should be considered forward-looking statements. These forward-looking statements generally can be identified by phrases such as "believes," "expects," "anticipates," "foresees," "forecasts," "estimates," "intends," or other words or phrases of similar import. Similarly, statements in this website that describe a company's business strategy, outlook, objectives, plans, intentions or goals also are forward-looking statements. All such forward–looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements.

Terms of Use

By accessing IBN's website, you signify your agreement to these Statements & Policies. You further acknowledge that your agreement to these Statements & Policies create a contract between you and IBN, and that your provision of information to us is pursuant to, and necessary for, that contract. Further, you are representing affirmatively that you have read and understood the entirety of these following Statements & Policies. If you do not agree to these Statements & Policies, you may not use the IBN website. We reserve the right, at our sole discretion, to change, modify, add or delete portions of these Statements & Policies at any time and will post notifications of such revisions to the IBN website. The IBN website may contain many links to other websites, including paid advertisements, the content of which IBN does not manage. We do not endorse, nor are we responsible for, any of the content of those external websites, including the accuracy and completeness of any content on such external websites.

Choice of Law, Jurisdiction, Venue, and Arbitration

This contract between you and IBN will be subject to, and interpreted under, the laws of Delaware. You hereby agree that any claims, disputes, or other causes of action between you and IBN relating to these terms of service will be litigated exclusively in the federal or state courts of Delaware, USA. You hereby agree and consent to personal jurisdiction in those courts.

Copyright Notice

IBN owns and controls all rights, including copyright, in the content of the IBN website.

In accessing the IBN website, you agree that you may only download and/or view the content for your own personal, non-commercial use, and such content you agree expressly cannot be used in any pleading or for any purpose in a court of law, arbitration forum or adjudicatory proceeding.

Except where expressly stated otherwise, without the prior written permission of IBN, you are not permitted to copy, broadcast, download, store (in any medium), transmit, show or play in public, adapt or change in any way the content of the IBN website for any other purpose whatsoever.

Privacy Statement

This notice applies to all information collected or submitted on the IBN website. On some pages, you can make requests and register to receive materials. The types of personal information collected at these pages are:

Name

Company

Title

Address

Email address

Phone number(s)

You may be able to access some portions of our website or services without providing this information. Some services, however, may require that you provide this information. If you choose to not provide the information requested, it may not be possible for you to access certain parts of our website or utilize the services we provide, or for us to respond to any inquiries you make.

IBN operates within, and under the laws of, the State of Delaware in the United States of America. If you are accessing our website or services from outside the United States, note that you are sending information to the United States, where our servers are located. That information may be transferred or routed within the United States, or sent or transferred back out of the United States, possibly to or through countries other than the country of your use or access. The laws of those jurisdictions may provide more or fewer privacy protections than the laws of the country from which you are accessing our website or services. Regardless, our use of your information will continue to be controlled by our privacy policy.

Consent

Your use of this website and its services, including you providing information about yourself, is entirely by your own choice. Your use of this website and its services will necessarily result in you providing to us certain technical information about you, the device you use to access and use this website and its services, the internet browser or application you use to access and use this website and its services, and other technical information about yourself and your device such as browser type, internet protocol address, possible generalized geographical information, and anonymized demographic information. By creating an account, you will necessarily provide to us identifying information about yourself that could include your name, address, email address, telephone number, date of birth, employment information, and other similar information that could be used to identify you. By using this website and its services, or by providing us with information about yourself, you represent and warrant (i) that you understand that we will be receiving, collecting, storing, and using this information, and (ii) that you actively and unambiguously consent to our receipt, collection, storage, and use of this information. You may withdraw consent by terminating your account or by emailing our Data Protection Officer, identified below.

Data Protection Officer

Our Data Protection Officer is internal to IBN. You may contact our Data Protection Officer by sending an email to [email protected]

The Way We Use Information

We use the information you provide about yourself for our business purposes to provide you with our services, to provide to you information from our affiliates that may be of interest to you, when responding to your requests for specific information, and to enhance the overall user experience on our website. We occasionally share this information with outside parties whom we believe you would find of interest. We may be compensated by such parties for this service. We use return email addresses to answer the email we receive. You can register with our website if you would like to receive our periodic mailings as well as updates on our new products and services. Information you submit on our website will not be used for this purpose unless you fill out the registration form. We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration forms. Finally, our practice is not to use or share the personally identifiable information provided to us online in ways unrelated to those described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Retention of Data and Information

We maintain data and information you provide to us for as long as your account is active or, otherwise, for a limited period of time as long as necessary to fulfill the purposes of this agreement for any other purposes for which the information was originally collected, or until otherwise required by applicable law to dispose of the information.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place what we believe are appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. However, we make no guarantees or representations and provide no assurances that such procedures will be effective and that all information will remain secure under all circumstances.

Our Commitment To Children's Privacy

Protecting the privacy of children is especially important. For that reason, we never collect or maintain information at our website from individuals whom we actually know are under the age of 13, and no part of our website is structured to attract anyone under the age of 13.

How You Can Access or Correct Your Information

You can access all your personally identifiable information that we collect online and maintain by editing your user profile. We use this procedure to better safeguard your information. You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

IBN "Tip of the Day" Disclaimer

IBN is not a registered investment advisor or broker-dealer. The information contained on this site is not, is not intended to be, and shall not constitute, an offer to sell nor the solicitation of any offer to buy any security. The information presented on this site is provided for informational purposes only and is not to be treated as advice to make any specific investment or for use in any investment decision. Please consult with an independent investment advisor before making an investment decision. Neither IBN nor its officers, directors, partners, consultants nor anyone involved in this site is a registered investment adviser or broker-dealer or associated person of an investment adviser or broker-dealer and none of the foregoing make any recommendation that the purchase or sale of securities of any company profiled on this site is suitable or advisable for any person or that an investment or transaction in such securities will be profitable. Past performance of profiled securities is not indicative of future results. Companies profiled on this site may lack an active trading market for their securities and investing in securities that lack an active trading market or trade on certain media, platforms and markets are deemed highly speculative and carry a high degree of risk. Anyone investing in such companies should be able financially and prepared to bear the risk of loss and actual loss of his or her entire investment.

Educational Resources Disclaimer

Online Broker Reviews are provided for general information purposes only and should not be considered an individualized recommendation or advice. A resource to learn more about your investment professional and firm is https://finra.org/brokercheck

IBN DOES NOT receive any compensation from any of the online brokerage firms reviewed in Educational Resources – Online Broker Reviews.

Email and Instant Message Policy

Information Regarding Securities and Market Data. IBN does not guarantee any information regarding securities issues and market data contained in an email to or from its contractors, agents, or affiliates.

Email and Instant Message (IM) Security. IBN is not responsible for any damages resulting from a third party intercepting or otherwise obtaining an email, or the information contained within an email, sent to or from IBN, its contractors, agents, or affiliates. For your protection, do not include account numbers, social security numbers, credit card numbers, passwords or any other non-public information in your email or IM.

Monitoring and Confidentiality of Email and Instant Messaging (IM). IBN may monitor email and IM communications addressed to the firm and any of its contractors. IBN reserves the right to monitor such communications and does not guarantee the confidentiality of any transmission.

Compensation Disclosure

The IBN website provides readers with information regarding publicly traded companies that have retained IBN to provide advertising branding, marketing, news syndication and public relations services on their behalf. IBN receives compensation from the companies in the form of cash and/or securities in the companies. Such compensation, especially compensation in the form of securities, may create an actual or potential conflict of interest. In addition, to the extent that parties, including the companies discussed, investors or others, further disseminate content or other statements provided by IBN, such parties operate outside of IBN's control and such further dissemination is without the permission and authority of IBN. Such further dissemination may not be accompanied by appropriate disclaimers or other disclosures, and IBN assumes no responsibility for and expressly disclaims responsibility for any such statements, omissions or dissemination.

Because IBN receives compensation for disseminating information, we may have a conflict of interest in terms of disseminating negative information about the companies that retain us. Readers should consider this in reaching their independent decision as to how to use the information contained in the IBN website.

It is the practice of IBN to sell all securities received as compensation upon the expiration of the applicable holding period as set forth generally in Rule 144 under the Securities Act of 1933 (Rule 144), notwithstanding the fact that IBN may be advertising or distributing materials on such securities and their issuers at the time of the sale of such securities. More generally, IBN may sell any securities that it holds at any time that it legally may do so, as it deems appropriate.

In addition, writers and editors who provide or review content contained on IBN's website may buy, sell or maintain positions in securities of the companies discussed on IBN's website. Such trading, which necessarily reflects an individual's personal resources and financial condition, may be inconsistent with statements on IBN's website. IBN assumes no responsibility for and expressly disclaims responsibility for any statements or omissions about compensation to all writers and editors who provide or review content.

Disclaimer

Neither IBN nor its owners, members, officers, directors, partners, consultants, nor anyone involved in the publication of this website, is a registered investment adviser or broker-dealer or associated person with a registered investment adviser or broker-dealer and none of the foregoing make any recommendation that the purchase or sale of securities of any company profiled in the IBN website is suitable or advisable for any person or that an investment or transaction in such securities will be profitable. The information contained in the IBN website is not intended to be, and shall not constitute, an offer to sell nor the solicitation of any offer to buy any security. The information presented in the IBN website is provided for informational purposes only and is not to be treated as advice or a recommendation to make any specific investment. Please consult with an independent investment adviser and qualified investment professional before making an investment decision.

The opinions and analysis included in this website are based on factual information obtained from public filings and other sources deemed to be reliable and are provided "as is" in good faith. IBN makes no representation or warranty, expressed, implied, or statutory, as to the accuracy or completeness of such information, which may be subject to change without notice. IBN shall not be liable for any errors or any actions taken in reliance thereon. Statements of opinion and belief are those of the authors and/or editors who contribute to this website, and are based solely upon the information possessed by such authors and/or editors. No inference should be drawn that IBN or such authors or editors have any special or greater knowledge about the companies profiled or any particular expertise in the industries or markets in which the profiled companies operate and compete.

Factual information on this website is obtained from public filings and other sources deemed to be reliable; however, IBN takes no responsibility for verifying the accuracy of such information and makes no representation that such information is accurate or complete. Certain statements included in this website may be forward-looking statements based on current expectations. IBN makes no representation and provides no assurance or guaranty that such forward-looking statements will prove to be accurate. Persons using the IBN website are urged to consult with independent financial advisers with respect to an investment in any company profiled herein. Additionally, persons using this website expressly represent that the content in this website is not and will not be a consideration in such persons' investment decisions. Investors should verify independently information provided in the IBN website by completing their own due diligence on any company in which they are contemplating an investment and review a complete information package on that company, which should include, but not be limited to, the company's annual reports, quarterly reports, press releases, and regulatory filings, which are available at no cost at the SEC's website (sec.gov) or directly from the issuer.

Past performance of profiled securities is not indicative of future results. Companies profiled on this site may lack an active trading market for their securities and investing in securities that lack an active trading market or trade on certain media, platforms and markets are deemed highly speculative and carry a high degree of risk. Anyone investing in such companies should be able financially and prepared to bear the risk of loss and actual loss of his or her entire investment. The information on this website is not designed to be used as a basis for an investment decision. Instead, the purpose of this website is to enable issuers to establish visibility and become known or better known. Persons using the IBN website should confirm to their own satisfaction the veracity of any information prior to entering into any investment. The decision to buy or sell any security of a company that may be featured by IBN is done purely and entirely at the reader's own risk. As a reader and user of this website, you agree that under no circumstances will you seek to hold liable IBN's owners, members, officers, directors, partners, consultants or other persons involved in the publication of this website for any losses incurred by the use of information contained in this website.

IBN and its owners, members, officers, directors, contractors and affiliates may own, or may buy and sell, securities of companies profiled in this website at any time before, during, or after distribution of information on the companies by IBN. IBN and its contractors and affiliates may profit in the event the shares of the companies increase or decrease in value. Such securities may be bought or sold from time to time, even after IBN has distributed positive information regarding the companies. IBN does not guarantee that it will purchase the securities of profiled companies. IBN does not request from and does not require that IBN's independent contractor writers and editors provide information to IBN about their trading activities, including trading activities about which they may wrote. IBN has no obligation to inform readers of its trading activities or the trading activities of any of its owners, members, officers, directors, contractors and affiliates and/or any companies affiliated with IBN's owners, members, officers, directors, contractors and affiliates. IBN and affiliates may from time to time enter into agreements to purchase securities of publicly traded companies to provide financing to these companies.

Risk Warnings

The content published on this website is intended for and only to be used for reference purposes and is neither an offer nor a solicitation to purchase or sell any security or instrument or to participate in any particular trading strategy. None of the information provided through this website constitutes advice or a recommendation that any investment or trading strategy is suitable for any person. Further, users of this website agree that they are not using any content of this website in or in connection with an investment decision. Persons should consult with their financial advisers before making any investment decisions.

THERE CAN BE NO ASSURANCE THAT THE CONTENT PUBLISHED ON THIS SITE IS ACCURATE OR WITHOUT ERROR. ANY PERSON WHO MAKES USE OF SUCH CONTENT EXPRESSLY ASSUMES ALL RISKS FROM USING THE CONTENT. In particular, IBN does not guarantee it reviews, and is not responsible for confirming, the accuracy of issuer documents and information submitted for inclusion on this site. The issuer and its management are primarily responsible for the accuracy of any information regarding the issuer provided on this site. The issuers are the publishers of all information provided by the issuers available on this site. INVESTORS ARE STRONGLY ADVISED TO CONFIRM THE ACCURACY OF ANY INFORMATION OBTAINED FROM THIS SITE PRIOR TO MAKING ANY INVESTMENT DECISION.

OTC Risk Warnings

Because many securities traded Over-The-Counter (OTC) are relatively illiquid, or "thinly traded," which tends to increase volatility in market prices, an investment in an OTC security involves a high degree of risk. These speculative and illiquid securities are often difficult for investors to buy or sell without significantly affecting the quoted price. It should be noted that the liquidation of a position in an OTC security may not even be possible within a reasonable period of time.

Dependable information regarding issuers of OTC securities, their prospects, or the risks associated with the business of any particular issuer or an investment in the issuer's securities may not be available. For this reason, it may be difficult to properly value an investment in an OTC security or accurately determine the risks involved with investing in such a security. For more information about investing in microcap securities, please read the content on the SEC's website, including the SEC's investor publication titled "Microcap Stock: A Guide for Investors" available at https://www.sec.gov/investor/pubs/microcapstock.htm

Issuers of OTC securities quoted on the OTC Link system are not required to provide any kind of information to investors. While many issuers register OTC securities with the Securities and Exchange Commission (SEC) and regularly provide reports to investors in connection with such registration, they are not required to continue such registration or regularly provide such reports because their securities are quoted on OTC Link. Securities may continue to be quoted on the OTC Link system if issuers are delinquent in their reporting obligation to the SEC or other federal or state regulatory agencies. Quotation of a security on the OTC Link system or the Yellow Sheets does not in itself create any ongoing filing or reporting obligations with the SEC for any issuer. In fact, issuers may not even be aware that their securities are quoted on the OTC Link system.

Third-Party Content

The IBN website may contain Third-Party Content articles and other content submitted by third parties, including articles submitted through the IBN Premium Partnership Program. All opinions, statements and representations expressed by such third parties are theirs alone and do not express or represent the views and opinions of IBN or its affiliates and owners. Content created by third parties is the sole responsibility of such third parties, and IBN does not endorse, guarantee or make representations concerning the accuracy and completeness of all third-party content. You acknowledge that by IBN providing you with this internet portal that makes accessible to you the ability to view third-party content through the IBN site, IBN does not undertake any obligation to you as a reader of such content or assume any liability relating to such third-party content. IBN expressly disclaims liability relating to such third-party content. IBN and its members, affiliates, successors, assigns, officers, directors, and partners assume no responsibility or liability that may arise from the third-party content, including, but not limited to, responsibility or liability for claims for defamation, libel, slander, infringement, invasion of privacy and publicity rights, fraud, or misrepresentation, or an private right of action under the federal securities laws of the United States or common law. Notwithstanding the foregoing, IBN reserves the right to remove third-party content at any time in its sole discretion. By viewing this third-party content, you acknowledge that you have viewed, read fully, accepted and agreed to all terms of the Disclaimer at http://IBN.fm/Disclaimer.

The disclaimers on the IBN website are applicable to all content provided by IBN, wherever published or re-published are at: http://IBN.fm/Disclaimer

Client Indemnification

Recognizing that transactions of the type contemplated in an engagement sometimes result in litigation and that the role of IBN is public relations advisory and to offer a communications portal, the company or person who pays for the services offered by IBN agrees to advance costs and fees to, and indemnify and hold harmless IBN and its members and affiliates and their irrespective members, officers, directors, agents and controlling persons within the meaning of Section 15 of the Securities Act of 1933, as amended and Section 20(a) of the Securities Exchange Act ("Indemnified Parties") and against any and all loss, charge, claim, damage, expense and liability whatsoever, including, but not limited to, all attorneys' fees and expenses (hereinafter a "Claim" or "Claims"), related to or arising in any manner out of, based upon, or in connection with (i) any untrue statement or alleged untrue statement of a material fact made by the Company or any omission or alleged omission of the Company to state a material fact required to be stated therein or necessary to make the statements therein not misleading or (ii) any transaction, proposal or any other matter (items (i) and (ii) being hereinafter referred to as a "Matter" or "Matters") contemplated by the engagement of IBN hereunder, and will promptly advance fees to the Indemnified Parties in the amount of three times the face amount of any written agreement between the Company and any of the Indemnified Parties and reimburse the Indemnified Parties for all expenses (including all fees and expenses of legal counsel incurred by IBN and the Indemnified Parties) as incurred in connection with the investigation of, preparation for or defense of any pending or threatened Claim related to or arising in any manner out of any Matter contemplated by the engagement of IBN hereunder, or any action or proceeding arising therefrom (collectively, "Proceedings"), regardless of whether such Indemnified Party is a formal party to any such Proceeding. Notwithstanding the foregoing, the Company shall not be liable in respect of any Claims that a court of competent jurisdiction has judicially determined by final judgment (and the time to appeal has expired or the last right of appeal has been denied) which resulted solely or in part from the gross negligence or willful misconduct of an Indemnified Party or the violation of any securities laws or regulations by an Indemnified Party. The Company further agrees that it will not, without the prior written consent of IBN settle compromise or consent to the entry of any judgment in any pending or threatened proceeding in respect of which IBN and any Indemnified Party may seek indemnification hereunder (regardless of whether IBN or any Indemnified Party is an actual or potential party to such Proceeding), unless such settlement, compromise or consent includes an unconditional release of IBN and each other Indemnified Party hereunder from all liability arising out of such proceeding.

In order to provide for just and equitable contribution in any case in which (i) an Indemnified Party is entitled to indemnification pursuant to an Engagement Agreement but it is judicially determined by the entry of a final judgment decree by a court of competent jurisdiction and the time to appeal has expired or the last right of appeal has been denied) that such indemnification may not be enforced in such case, or (ii) contribution may be required by the Company in circumstances for which an Indemnified party is otherwise entitled to indemnification under the Agreement, then, and in each such case, the Company shall contribute to the aggregate losses, Claims, damages and/or liabilities in an amount equal to the amount for which indemnification was held unavailable. Notwithstanding the foregoing, IBN shall not be obligated to contribute any amount hereunder that exceeds the amount of fees previously received by IBN pursuant to an Agreement.

The Company further agrees that no Indemnified Party shall have any liability (whether direct or indirect, in contract or tort or otherwise) to the Company for or in connection with IBN's engagement hereunder except for Claims that a court of competent jurisdiction shall have determined by final judgment (and the time to appeal has expired or the last right of appeal has been denied) resulted solely or in part from the gross negligence or willful misconduct of such Indemnified Party or the violation of any securities laws or regulations by an Indemnified Party. The indemnity, re imbursement and contribution obligations of the Company set forth herein shall be in addition to any liability which the Company may otherwise have and shall be binding upon and inure to the benefit of any successors, assigns, heirs and personal representatives of the Company or an Indemnified Party.

The indemnity, reimbursement and contribution provisions set forth herein shall remain operative and in full force and effect regardless of (i) any withdrawal, termination or consummation of or failure to initiate or consummate any Matter referred to herein, (ii) any investigation made by or on behalf of any party hereto or any person controlling (within the meaning of Section 15 of the Securities act of 1933 as amended, or Section 20 of the Securities Exchange Act of 1934, as amended) any party hereto, (iii) any termination or the completion or expiration of an Engagement Agreement with IBN and (iv) regardless of whether IBN shall or shall not be called upon to render any public relations advice, whether formal or informal, in the course of such engagement.

Unless otherwise defined, capitalized terms used herein shall have the meaning ascribed to them in the Agreement.